Build Advice Confusion about RAM frequency, and PSU requirements for my build ?

Oct 19, 2023
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Hey there, I've been trying to build up a PC with these main specs below:
CPU: Intel Core i5-13400 (Supports up to 4800mhz ddr5 RAM)
GPU: Asus TUF RTX 3060 TI OC 8gb LHR
Motherboard: Asus TUF B760 Plus WiFi DDR5 (4800mhz Base - 6600 OC)

So my main confusion is with the RAM, should I buy Corsair Vengeance 32GB 4800mhz as it's the maximum freq the CPU supports, or considering any feature [future ?] CPU upgrades, should I go for higher frequencies like 32GB 5200mhz, 32GB 5600mhz, or even 32GB 6400mhz and just downclock them to 4800mhz if there wouldn't be any instability or compatibility issues? I also heard about being able to go on with the higher freqs than what is supported by the CPU if I enable XMP, but I have little information about it, so would be nice of you if you could help with these issues.

Another confusion is with the PSU. From my calculations, the parts that I picked need around 450W, so I picked CoolerMaster MWE Gold 850W, but again, if you have a futuristic look, would you go for 1050W or 850W is still enough based on the possible future upgrades since it's still like 350W higher?

After all, these are my selections pcpartpicker.com, would be thankful if you take a look or edit them to make them more decent.
 
GPU: Asus TUF RTX 3060 TI OC 8gb LHR
Motherboard: Asus TUF B760 Plus WiFi DDR5 (4800mhz Base - 6600 OC)
So my main confusion is with the RAM, should I buy Corsair Vengeance 32GB 4800mhz as it's the maximum freq the CPU supports, or considering any feature CPU upgrades, should I go for higher frequencies like 32GB 5200mhz, 32GB 5600mhz, or even 32GB 6400mhz and just downclock them to 4800mhz if there wouldn't be any instability or compatibility issues?
Asus TUF B760 Plus WiFi DDR5 supports ram OC up to 7200mhz.
Sweetspot would be ~6000mhz.
Another confusion is with the power supply, from my calculations, the parts that I picked need around 450W, so I picked CoolerMaster MWE Gold 850W, but again, if you have a futuristic look, would you go for 1050W or 850W is still enough based on the possible future upgrades since it's still like 350W higher?
Minimum recommended PSU with Asus TUF RTX 3060 TI OC 8gb LHR is 750W.
850W would be with a significant reserve. 1000W is probably excessive.
 
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Motherboard support of 5400 speed is the speed at which the motherboard will boot into bios.
Once there, you can set the ram speed higher.
XMP is a set of settings (speed, voltage,timings) embedded in the ram stick itself. There may be more than one profile.
Or, you can set those parameters yourself.
With suitable ram, 6600 speeds are possible.

Don't get too excited about ram speeds.
Intel does not depend on fast ram for performance(integrated graphics excepted)
An older study for gamers:

850w and a psu with at least a 7 year warranty is good.
A psu uses only the power demanded of it, regardless of the max capability.

And... I5-13400 comes with a very good stock laminar flow air cooler.
I have used one on a 13100 and it is silent, even at full speed.
I would try it first.